In the United States, the health system is private, which is why insurance is required to cover people for them to face expensive hospital debts. Marival Insurance works with the Health Insurance Market, an entity that provides the low-income population with a subsidy to help them pay monthly premiums and make copays affordable to their pocket. All medical insurances obtained through the Market, obviate the pre-existing medical conditions that clients may suffer. There is no discrimination to provide insurance to anyone.

Historically, life insurance has served as an inheritance to beneficiaries once the insured dies, however, there is no longer a need for you to die to receive the benefit. Let us explain: when facing a serious (heart attack), terminal (cancer) or chronic disease (which makes it impossible for you to perform 2 of your 6 vital functions, such as bathing and walking), even if you do not die, they give you up to 90% of the money in a lifetime.

A tax-free retirement savings plan is an alternative that life insurance has. It is a fund that from the first moment is competing with the gains of the stock market, not with the losses. It is money that grows with compound interest, which allows you to either pay your life insurance in case you cannot pay for it for a while or retire early and pay for a child’s college, buy a house or go to those dream vacations.

For those people who do not carry legal immigration documents in the country, there is the option of medical discount plans, which are not health insurance but are an alternative for undocumented immigrants to access medical, dental, and visual services at a lower cost than established.

It is the Patient Protection and Affordable Health Care Act, which among other things is responsible for ensuring that people in the United States obtain a government subsidy (if their income is low) to access health insurance. Among its advantages is also not discriminating against patients with pre-existing medical conditions, such as diabetes and pregnancy, to obtain insurance, something that was usual before the enactment of the law